 I think about someone working 25, 30 years, saving, doing all the right things, only to retire with fear, worry, stress. And I just don't think that's what this is about. I mean, are we really supposed to get out of college, maybe not go to college, just go straight into the workforce? It's been 35 years to finally retire, the golden years, whatever you want to call them. And now they're filled with worry, stress.